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With so many credit card processing companies available to pick from, it can be a daunting task to find the one that is the perfect fit for your business. You want to make sure you find one that will have all the features and services you are looking for. Additionally, you want to make sure you pick a company that is solid and reputable.
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Have you heard of selfies being used for credit card authentication? Mastercard started testing this program late in 2015, along with other biometric authentication methods, like heartbeat readers and eye recognition. Fast forward to the present and Mastercard is continuing to invest a lot into their biometrics efforts. In a recent interview, Ajay Bhalla, Mastercard's President of Global Enterprise Risk and Security, discussed this topic in detail. He said with the incredibly high number of passwords that internet users are supposed to remember, it's not surprising that over half of consumers use the same password across multiple websites (despite it being a major security risk.) Bhalla believes that it's up to companies to give consumers better ways to securely access all of their online accounts and information. He wasn't surprised at a study which found that 93 percent of consumers would prefer to use biometrics instead of passwords. What's interesting is this desire is actually mirrored by the banking industry. A full 92 percent of banks surveyed said they had the same preference. Why Isn't Biometrics Usage More Widespread? Given that both consumers and banks… Read more

Although we've already made it to summer, there's still plenty of time to start a business this year. If you've been thinking about this type of opportunity for a while, the best thing you can do is take action. Starting a business can be one of the most rewarding decisions you ever make. However, starting a business presents plenty of challenges, so it's important to make sure you've got clear business goals and metrics for success and failure. Since growing a business requires a lot of hard work, the right strategy and at least a little bit of luck, we want to cover five essentials you need to get started on the path to success. 1. The Right People Y Combinator is a startup accelerator that has made seed investments in companies like Reddit, Dropbox and Airbnb. While they fund a wide range of businesses, they prefer to put their money behind startups with at least two founders, since everything that goes into building a successful startup is almost always impossible for just one person to handle. Even if your business idea… Read more

Merchant account fraud is a big deal. Although this isn't our first time discussing the issue, online fraud continues to be a major problem for businesses of all sizes. In just the last year, Snapchat, the University of Central Florida and even the IRS have all been hit by serious data breaches related to fraud. In the case of Snapchat, around 700 current and former employees had sensitive information stolen, including names, Social Security numbers and payroll data. With the University of Central Florida, a data breach affected approximately 63,000 current and former students, faculty and staff, compromising their Social Security numbers, full names and student/employee ID numbers. And what about the IRS? Over 700,000 American taxpayers had their personal information compromised through the organization's “Get Transcript” system when it was hacked by a Russian-based criminal operation. Other high profile cases of online fraud include 21st Century Oncology, Yahoo and Weebly, among others. Given that many of the companies struck by significant online fraud specialize in technology, it's easy to see why all businesses need to take this type of… Read more

As a business owner, chances are you rely on a number of suppliers and other partners to keep what you do running as smoothly as possible. When you identify a need in your business, quality and reliability are two important factors to look for in whomever you expect to fill it. Price is also a very important consideration. Although there are exceptions, a general rule of thumb is avoiding the absolute cheapest option you may find. This is because suppliers and vendors who market themselves by having the lowest price generally lack in other important areas, like quality and reliability. Regular Reviews are Easy to Overlook When you have a problem with a vendor or other type of partner, it's natural to escalate that issue to the top of your to-do list. But when things are going relatively smoothly with your vendors, it's easy to put doing regular reviews on the back burner. Given all the different priorities competing for your attention on a daily basis, overlooking regular reviews is completely understandable. However, even though they may not be immediately evident,… Read more

Payment processing is a very important topic for businesses of all sizes. Not only do you want to work with a reliable processing company, but you also want to ensure you’re paying a fair rate for this service. Because processing rates impact every credit and debit card sale that your business makes, even seemingly small differences between rates can have a direct impact on your bottom line. While there are some great payment processing partners, there are also some that are only interested in getting as much money as possible out of their customers by misleading them to obscure the true nature of their rates and services. A great starting point for fully understanding payment processing rates and what’s considered fair is to look at interchange fees. This fee is established by card brands and refers to the money that’s transferred from the acquiring bank to the issuing bank for each bankcard transaction. Where things get a little tricky is these fees can differ based on the specific category of a transaction. Interchange qualification (which is the term used for categorizing transactions)… Read more